Spring Break Road Trips: Essential Auto Insurance Tips for Safe Travels 

Many drivers assume their current policy will cover any situation that comes up on the road. Coverage varies, so it helps to take a moment to confirm what your policy includes before you leave for spring break.

Kansas Auto Insurance Requirements

Each state has auto insurance requirements. Kansas drivers must maintain the following:

• Bodily injury liability can pay for injuries you cause to others in an accident, up to the policy’s limits.
• Property damage liability can pay for damage you cause to someone else’s property up to the policy’s limits.
• Personal injury protection can help pay for medical and disability expenses, and lost wages for you and your passengers after an accident, no matter who is at fault.
• Uninsured and underinsured motorist coverage can provide injury coverage if you are hit by a driver who has no insurance or not enough insurance.

Optional Coverage

If you want help paying for repairs after a collision or weather event, you need collision and comprehensive coverage. These protections are especially important during spring break travel, when long distances, unfamiliar roads, and unpredictable spring weather can increase the risk of an accident. Your agent may also recommend auto glass coverage, which can help pay to replace a damaged or broken windshield.

Roadside assistance is an inexpensive addition to most auto policies and can save time and stress. It is worth checking whether your current plan includes towing, fuel delivery or help if your car becomes disabled far from home.

Some drivers rent a car for long trips to avoid putting extra miles on their own vehicle. If that is part of your plan, make sure you understand how your insurance applies to a rental. Many policies extend coverage, but not all do.

Prepare for Your Trip

Insurance is only one part of a safe road trip. Basic preparation goes a long way. Check your tires, brakes, fluids and lights before you leave. Pack an emergency kit with water, blankets and chargers. Plan your route and allow extra time so you are not rushing. Spring weather in Kansas and surrounding states can change quickly, so watch forecasts and road conditions.

How Bovard Insurance Group Can Help

Bovard Insurance Group can review your current auto insurance, explain how your coverage applies during a road trip and recommend updates.

Contact Bovard Insurance Group for guidance tailored to your needs.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.